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MasterPlan™ Maintain Programme

This service is exclusively available to client who have completed their MasterPlan™, and who establish investment/pension structures with us.As we are fee-only firm this is most suited where your invested assets with us are €500k+.

Total all-in annual costs (TER) typically between 1.5% and 0.9% per year, based on the asset level and structures we use to deliver your best outcomes.


As one of the only Irish Ambassadors of the international volunteer movement ‘Transparency Task Force’ I campaign for fair and transparent fees for investors.

In my work with advisors I encouragethem to focus on the clients goals and desires, instead of products & sales. Fortunately there is a real shift under-way, it is slow but the tide is turning back in favour of the consumer, pension holders and investors of Ireland.

In 2018 a European Regulation called ‘Packed Retail Investment and Insurance Products’ (PRIIPS) came into force. This forced providers to give clarity to investors about the fees that they pay on investment products. Investors since 2018 are obliged to be given what is known as a ‘Key Investor Document’ (KID). What has been really eye-opening is that despite many clients being told that they are paying 1% to 1.5% in annual fees, these KIDs show that they are more often paying 2-2.5% in annual fees.

“A Department of Social Protection report recently found that the average annual fee for most investors is 2.2% per year, when underlying charges are included”

What you get

When you invest with us you become a member of the MasterPlan Maintain Programme, the benefits of which include:

  • Having a professional & empathetic advisor to help you build & protect your financial future
  • Two Planning Meetings with Paddy at your home/office every year
  • Access to Paddy as your dedicated advisor
  • Personal guidance on all aspects of your financial life planning
  • Wise counsel and a gate-keeper on your new pension and investment structures
  • Access to our proven, regulated and high performing portfolios and partners
  • Invitation to exclusive Informed Decisions Developmental Work-Shops & Seminars
  • Invitation to Investment Manager updates as they arise
  • Annual investment portfolio rebalancing
  • Access to new portfolio options and non-standard investment solutions
  • 24/7 access to your online portfolio, with quarterly updates
  • Annual Fee schedule and breakdown – enabling your business to claim tax relief
  • We don’t sell policies - No sales pitches or product pushing, ever
  • No commissions, hidden charges or exit penalties, ever
  • Liaising with your accountant/tax advisor when needed
  • Bespoke investment and ARF income draw-down planning as needed
  • Helping you avoid costly mistakes with your financial plans and investment decisions
  • Removing stress and concern about your future lifestyle and incomes
  • If for some reason you are not happy, you can walk away, no penalty or restrictions
  • Personally holding you to account on living & spending your money!

The Fees

Annual advisory fee of 0.7% of invested assets with us

Examples below details how the preferential rates we can achieve for clients helps them avoid unnecessary fees on their investments and pensions.

When you invest with us, you will be hiring the expertise and safety of the world’s most proven providers of safe custody and index fund management, see below.

0.7% on assets up to €1.4m, subject to minimum of €4,200

Fee capped where client/couple assets exceed €1.4m

John Sherry

Working with Paddy and Informed Decisions assures us that we are doing the right things at the right times. The service we get is personal and accurate, and importantly it’s very good value for money

Third-Party Services

When you place investments with us, we hire specialist, independent and regulated providers on your behalf, to deliver two critical services for you.

Fund Manager

Our proven and cost-effective investment portfolios are delivered by expert fund managers such as Vanguard and Blackrock. The managers annual fee is 0.2% of invested assets to access the passive index portfolios we prefer.

Investment Platform & Global Custody

Informed Decisions do not hold your funds. Your assets are held on a trading platform and secured by Pershing, one of the world’s largest dedicated custodians. Your funds are therefore fully protected by the Central Bank of Ireland Client Assets Regulation. The combined platform and custody annual fee is between 0.3% to 0.5% of invested assets, depending on the type of structure we need to use for best results.

How Our Fees Compare

Financial services in Ireland display charges in % terms, which can make it difficult to see the real fees. A Department of Social Protection study found that investors are paying average annual fees of 2.1%. To allow you to compare how we stack up, we show you the total % discounted rates our clients' avail of when they invest via Informed Decisions. Read our FAQ to learn how our investors’ money is as well, if not better protected and regulated, than typical investors.

You may feel that we look ‘cheap’ when compared to ‘the norm’. We won't when you realise that ‘the norm’ doesn’t exist to serve you! Our clients pay a fair fee for a valuable service. Win-win.

Some Examples

Example 1

Your Investment portfolio with Informed Decisions is €400k, the total % fee including all costs and services = 1.55%

€6,200 (1.55%)
versus industry average of €8,400 (2.1%)
Example 2

Your Investment portfolio with Informed Decisions is €800k, the total % fee including all costs and services = 1.2%

€10,600 (1.2%)
versus industry average of €16,800 (2.1%)
Example 3

Your Investment portfolio with Informed Decisions is €1.8m, the total % fee including all costs and services = 1.04%

€18,800 (1.04%)
versus industry average of €37,800 (2.1%)
Example 4

Your Investment portfolio with Informed Decisions is €3m, due to the fee cap the total % fee including all costs and services = 0.83%

€24,900 (0.83%)
versus industry average of €63,000 (2.1%)

If we need to hire pension trustees in order to maximise your results, it will add up 0.1% to 0.2% per year to the above. Examples as of July 2020, and may vary over time.

Many of the valued clients that benefit from the MasterPlan Maintain Programme tell us our service is in stark contrast to the 2%+ fees, lack of technical guidance, and lack of care they were experiencing before they chose to invest and be supported by Informed Decisions.
Arrange an Initial Call with Paddy in confidence and at no expense nor obligation. We’d love to hear from you.

The Difference

No Government Levy
No Exit Penalties
No Commissions
get in touch today frequently asked questions
next steps

Create my personal Informed Decisions MasterPlan™

Our complimentary, no-obligation initial call is the perfect chance for us to get to know each other a little. We will establish what your priorities are and you can find out more about the service we offer.

Due to demand for our boutique and independent service we are at capacity until the end of this year. We value you getting in touch, and would be delighted to work with you on your own Informed Decisions MasterPlan then.

We offer best value and outcomes to clients who have €500k+ of retirement and investment assets with us.

To book a meeting or find out more, give us a ring, drop us an email or complete the form today and we will be in touch.

We look forward to hearing for you, Paddy

While we would love to hear from you, if you already have a trusted financial advisor, we encourage you to first check if they can help you achieve your goals.

Due to demand for our boutique and independent service we are at capacity until the end of this year. We value you getting in touch, and would be delighted to work with you on your own Informed Decisions MasterPlan then.

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Informed Decisons exists to help people in a meaningful way. We strive to work with valued clients who want to work with us over the long term, and to do so in partnership. I believe the goal for most of us is to live a life free of financial concern. I hope I get the opportunity to help you do so